Peter Pru Podcast Show

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$5 a day in VOO for 1,000 days turns $5,000 into roughly $6,500 — and that number isn’t the point. This video breaks down what actually happened inside that experiment: 45% of trading days the account was lower than the day before, and every Fed decision, election headline, and market pullback was a reason to stop, and the people who capture the 10 and 20-year returns aren’t the ones who picked the right moment to enter — they’re the ones who t...

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In the first half of 2026, the best performing AI ETF returned 122% and the worst returned 1% — both used the word “artificial intelligence” in their names, and most investors assumed they were buying the same thing. This video breaks down what actually separated them: AIS focused on infrastructure and semiconductors, CHAT required 50% of revenue from generative AI as a quality screen, AIQ spread across the broad ecosystem, and BOTZ bet on physical robotics that moved on a comp...

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The median American between 55 and 65 has $89,000 saved for retirement — the Fidelity benchmark says they should have closer to $600,000, and most of them are 10 years or less from the retirement they’re imagining. This video breaks down why the “how much do I need” question is actually three questions — what you’ll spend, what Social Security will cover, and how many income streams you can build before you stop working — and why a $1,500 monthly dividend in...

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Realty Income has made 667 consecutive monthly dividend payments — not one missed, through recessions, COVID, rate hikes, and every market crash in between — and nobody makes a YouTube video with a Lamborghini in the background talking about it, which is exactly the point. This video breaks down eight investments that do what they’re supposed to do quietly and consistently, from high-yield savings accounts paying 4.2% while big banks still pay 0.01%, to Treasuries, VOO, SCHD, Realty In...

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To generate $3,000 a month from SCHD dividends at today’s yield, you need roughly $1.12 million — and most people searching “retire on SCHD” are thinking about a number much smaller than that. This video runs the honest income math at different position sizes, explains why the current yield is the wrong number to focus on, and makes the case that SCHD’s real job is growing your income over 10 to 15 years while something else handles t...

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Six growth ETFs, one comparison most people get wrong — VGT has the best 10-year return of any fund on this list at 24.5% annualized, beating QQQ by 3 full points, and SPMO is the 2026 leader at 28.5% year-to-date despite just reshuffling 40% of its portfolio in a single reconstitution most holders didn’t notice. This video breaks down what each of the six actually is, why QQQ and QQQM are the same exposure at different prices with a real...

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SoFi's revenue is up 42.5% year over year and the stock is down 43% in 2026 — and both numbers are real, which means either something is broken or the market is pricing in a risk the financials haven't shown yet. This video breaks down what actually worried traders after a beat on both the top and bottom line, why the reinvestment thesis requires patience the market isn't granting, and what selling covered calls month after month does...

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AI data centers can be built in two to three years, but getting them actually connected to the electrical grid takes four to ten years — and that timeline gap is the most underappreciated constraint in the entire AI build-out narrative. This video breaks down the full bottleneck chain that determines whether AI can actually scale: cooling systems that are architecturally obsolete for modern rack densities, regional grids that weren't designed to absorb a small c...

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The "buy VOO and chill" advice gets you to the number — it just doesn't tell you what happens the day you actually stop working and a bad market year forces you to sell shares at exactly the wrong time to cover your living expenses. This video breaks down a five-fund framework built around three jobs — accumulate with SPY and QQQ, build a growing dividend floor with SCHD, and layer in monthly income from JEPQ i...

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SPMO is up 28.5% this year while VOO is up 11 — a 17-point gap from the same pool of S&P 500 stocks, and the same reason that gap exists is the exact reason it can unwind fast when leadership rotates and the fund can't move for six months. This video runs the honest numbers: the 10-year outperformance is real, the $225,000 gap on $100K is real, and so is the 1.35 beta and 47% more volatility that comes with...

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SCHD yields under 3% and in 2026 it's up 29% on total return — beating both OVL and GPIX, which are paying 8% or more in income, and that's not a coincidence, it's the whole point of understanding what each fund is actually built to do. This video breaks down the real structural difference between a covered call overlay, a put spread overlay, and straight dividend equity — and why OVL's 1% SEC yield versus its 8-10% distribution headline is the nu...

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Fidelity has two index funds that charge exactly 0% — and when you spread $10,000 across all four of their best index funds, your total annual fee is less than a dollar and a half. This video breaks down why the free funds are compelling, why the $1.50 difference between 0% and 0.015% is essentially meaningless over 10 years, and the one catch almost nobody mentions — FZROX and FZILX can't be transferred to another brokerage without selling first, which in a taxable...

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The 4% rule says $2 million gives you $80,000 a year — but I need $120,000, and a 6% withdrawal rate over a 40-year retirement carries real depletion risk that most early retirement plans don't account for. This video breaks down why the math only works if the portfolio generates the income rather than slowly gets emptied, and the three things most early retirement plans completely miss — the healthcare gap before Medicare, the five-year penalty window before the Rule of 55 kic...

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SCHD's Q3 dividend just landed at 26 cents a share, and through three quarters of 2026 the dividend growth rate is under 1% — not the 8% most holders were expecting. This video breaks down what actually happened, why the Q3 number improved from Q2, and why December 9th is the date that matters most right now for understanding whether this is a one-year blip or something worth paying closer attention to. The fund isn't broken — but 2026 is a remi...

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SPMO's September reconstitution just removed Nvidia — up over 30% in the past year — and replaced it with Apple, and if that sounds backwards, this video explains exactly why it isn't. The fund doesn't care about analyst upgrades or your feelings about a stock, it just follows a 12-month trailing momentum score, and when Nvidia no longer ranked at the top of that scorecard, the process took it out with zero emotion. The real risks here ar...

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OVL shows a distribution yield of 8-10% but the fund's actual 30-day SEC yield is 1% — and that gap isn't a scam, it's a structure, but it means something very specific about what you're actually buying. Most OVL content treats it like a covered call fund, which it isn't — it runs a put spread overlay that keeps full upside participation but adds amplified downside in bad markets, the exact opposite of what most people want f...

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$100K in VGT 10 years ago is worth roughly $882K today — the same $100K in SCHG is worth about $540K, a $340K gap from two funds that move together 85-94% of the time. This video runs the full comparison, including the number most people skip: over the complete 17-year window since SCHG launched, SCHG actually outperformed VGT, because tech concentration isn't always the winning bet. VGT is a pure tech bet that wins when tech l...

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There's a specific portfolio size where your contributions almost stop mattering — not because saving is wrong, but because the portfolio is growing faster than you can feed it. This video breaks down the crossover point, the exact math behind when that flip happens, and why crossing it changes your entire job from adding more to protecting what's already compounding. The most expensive mistake people make at $500K isn't their savings rate — it's still thinkin...

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SPYI's parent company just got acquired by Goldman Sachs for up to $2.25 billion — the same Goldman that already runs GPIX, a fund doing nearly the same thing at a lower fee. This video breaks down all three S&P 500 covered call income funds side by side, why OVL's 1% SEC yield versus its 8-10% distribution headline is the number every retiree should understand before buying it, and how the Goldman integration changes the calculus for...

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5,500 shares of SCHD is $192,000 in one ETF — and at that level the income math stops being theoretical and starts being real. This video breaks down exactly what that position produces in dividend income, what the qualified dividend tax treatment means for what you actually keep, and what layering covered calls on 55 contracts adds on top when the setup is right. Combined, the two streams approach $19,000 a year from a single holding without selling...

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The median American between 35 and 44 has a net worth of $135,000 — and that number is not a judgment, it's a warning, because it means most people at 40 are one bad year away from real financial stress. This video breaks down the five milestones that actually separate people who turn out okay from the ones who don't — and none of them are just savings numbers. Zero high-interest debt, a real cash buffer, retirement accounts getting f...

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TQQQ's options premiums are some of the fattest you'll find — but most of the income content out there completely skips the one thing about this fund that changes the assignment math entirely. This video breaks down why the wheel strategy works on quality dividend stocks and completely falls apart on a 3x leveraged ETF with volatility decay built into its structure, no dividend to reduce your cost basis while you wait, and a covered ca...

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SCHD is up 29%, the yield has compressed to 3%, and the 30-year Treasury is paying 5.27% risk-free — so the bears have a point, and I'm not going to pretend they don't. But the whole Treasury comparison falls apart the moment you remember that SCHD's dividend has historically grown at over 8% per year and a Treasury doesn't. The number I'm actually watching right now is the Q3 distribution on September 23rd — because if dividend growth comes in fl...

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Not all monthly dividend ETFs are doing the same thing — some generate income from equity-linked notes, some from index options, some from active stock selection, and some are just returning your own capital while calling it yield, and the headline yield number tells you almost nothing about which category you're in. This video ranks 12 of the most widely held monthly payers across four criteria that actually matter — yield, one-year total return, expense ratio, and...

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Most retirement plans optimize for portfolio value at a single point in time — but this video breaks down a 15-year plan built around four simultaneous income streams that grow regardless of what the market does: SCHD dividend growth compounding toward 28,000 shares, a Roth IRA income floor of JEPI and JEPQ compounding tax-free toward $5,000 to $7,000 per month in distributions, a SPY and QQQ covered call paycheck that activates in retirement when the cost basis g...

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There are individual stocks that beat SCHD over the past decade — but the honest version of that story is that two of the three most obvious ones, Broadcom and Texas Instruments, were already inside the broad dividend ETFs the entire time, and the third one, JP Morgan, is the stock SCHD specifically excludes. This video breaks down all three, why TXN at 5.9% of SCHD is one of the specific drivers of SCHD's 27% ye...

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2,000 shares of SCHD is not just a milestone number — it is the point where the position stops being something you are building toward and starts actively participating in your monthly financial life, unlocking 20 covered call contracts and a combined blended income of around $575 per month from dividends and occasional covered calls timed to the upper Bollinger Band. This video breaks down exactly what 2,000 shares produces today versus 10 years from now with reinvestmen...

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Three semiconductor ETFs covering essentially the same sector — but with very different concentrations, costs, and use cases — and the Motley Fool's conclusion is that SOXX actually has the hardest investment case to make of the three once you realize SOXQ offers nearly identical exposure at half the management cost. This video breaks down the honest scorecard across all three: SMH for maximum AI mega-cap concentration with TSMC and ASML included, SOXQ for the most...

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VYM is beating VIG in every timeframe that matters right now except one — and that one exception is the 10-year total return race, where VIG wins by 1.5 percentage points while VYM wins on current yield, recent three and five year performance, lower volatility, and more holdings. This video runs the full $100,000 math at both funds' 10-year annualized returns and lands on a result most comparison articles never show: VIG produces $42,000 more in portfoli...

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DRAM's 94% implied volatility produces premium numbers that look insane on screen — 10% return on collateral in a single 30-day cycle — but the premium is accurately priced because the fund already proved it could fall 44% from its June high to its July low in a matter of weeks. This video runs DRAM through the three standard wheel strategy filters — quality and comfort with assignment, options market liquidity, and dividend income during the covered call phase —...

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Every VOO vs SCHD video ends at accumulation — who has more money at year 20 — but a viewer asked the question nobody finishes: flip the switch at year 20, VOO starts selling shares for income, SCHD turns off DRIP and collects dividends, then compare the next 20 years. This video runs that full math, and while VOO wins on total portfolio value at year 20 by a wide margin, SCHD is already generating nearly double the monthly...

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The wheel strategy works until you're assigned on a stock that cuts in half and never comes back — and that is not a strategy problem, it is an underlying stock selection problem, because chasing the highest premium almost always ends with owning something you had no business holding for six to twelve months. This video breaks down exactly why dividend-paying stocks and quality income ETFs like JEPI and JEPQ pass the assignment t...

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SCHD is approaching the title of largest dividend ETF in the world, up 27% in 2026 and sitting at $104 billion in assets — and on a million dollars it generates roughly $750 more per month in dividend income than NOBL while costing almost $3,000 less per year in fees. This video runs the full income math at scale, explains why NOBL's 25-year consecutive increase requirement and equal weighting are genuine structural advantages that just don't show up in yield...

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Goldman Sachs just paid up to $2.25 billion for a four-year-old ETF company that grew to $30 billion in assets — and the price alone tells you exactly how much institutional conviction exists in the derivative income ETF category that has compounded at over 70% annually since 2021. This video breaks down what the acquisition means for SPYI and QQQI holders, why Goldman chose to buy rather than build despite already running its own competing covered call ETF...

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Most SCHD holders think of it purely as a dividend vehicle — but SCHD's top holdings like Merck, Coca-Cola, Abbott, and Chevron all have liquid options chains that can generate a second income stream from the same universe of quality companies the ETF already screens for you. This video breaks down exactly how to layer cash secured puts on individual SCHD holdings when the setup is right — lower Bollinger Band, elevated implied volatility...

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Dividend Aristocrats and Kings are the most elite income stocks in the market — but most of the celebrated names like Coca-Cola and Procter & Gamble yield 2% to 3%, and hitting 5% average yield from this group requires going deeper into the list toward names the market has assigned higher yields for very specific reasons. This video builds the exact four-position portfolio that gets there — Altria, Realty Income, Stanley Black & Decker, and AbbVie at a blended 5% yield...

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JEPQ, QQQI, and GPIQ all pay impressive monthly distributions — but what none of the fund fact sheets show is that QQQ with no overlay at all returned 31% to 34% over the trailing 12 months while every one of these covered call funds trailed it, because the same overlay that generates the income also caps the upside that QQQ holders kept entirely. This video breaks down the honest total return comparison across all three, why QQQI...

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Most dividend content shows you the income target without showing you the share count or capital required to actually get there — so this video runs the full honest math at three income levels using real SCHD numbers, then shows a second version of the same targets using 15 years of 8% dividend growth, which cuts the capital required by more than half. The $375,000 needed for $3,000 a month in 15 years versus the $1.2 million needed today is...

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Most JEPI holders collect the monthly distribution and stop there — but the same position and the same capital can generate three separate income events instead of one by layering a cash secured put before you own it and a covered call while you hold it, both timed to Bollinger Band extremes. This video breaks down exactly how the three-layer approach works on JEPI specifically, what the realistic premium math looks like on a low vo...

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The right portfolio plan for $10,000 and $100,000 are not the same strategy at different scales — they are fundamentally different phases, and forcing $100,000 strategies onto a $10,000 account is exactly how people end up in high yield ETF traps or taking on options risk they cannot absorb. This video breaks down exactly how each amount gets deployed across the three bucket framework in late 2026 market conditions, why $10,000 is an architecture building phase focused on establishing...